If your local Scout troop or quilting club has gotten a notice from the IRS lately, saying the group's tax-exempt status has been revoked, don't panic. The notice is real - it just means you have some work to do to regain that tax-exempt status.

While the economic winds have been rather changeable at best lately, the nightly news shows Mother Nature isn't in a very good mood, either. Powerful tornadoes, devastating floods, and major earthquakes have all been reported in recent months. And while our first thoughts in times of disaster are for our physical safety, our financial records can be safeguarded with a little planning - before disaster strikes.

Let's set the stage: you and your father are spending some quality time together at the ballpark on a Friday afternoon, hoping to see your home team, the New York Yankees, pull off a win against the Tampa Bay Rays. The sun is shining brightly, the vendors are slinging brats and brew, and the Yankees fans are ramped up for today's big game.